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<h1>Business Banking</h1>
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<h3>You work hard for your business. So do we.</h3>
<p>No matter whether you’re a one-person powerhouse or you have a fleet of employees, we've got the products and services that fit your business.</p>
<p><a class="btn btn-primary" href="business-form.html" title="Business Information Form">Questions About Business Banking?</a></p> </div>
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<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-business-savings" aria-expanded="false" aria-controls="collapse-business-savings">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Business Savings Accounts
</a>
</h6>
<p class="subtitle">Whether you’re saving for taxes or for your next expansion project, we can help you reach your goals.</p>
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<h6>Savings Account</h6>
<p>All business members start with a business savings account. This account is ideal for businesses to set money aside, or as a main account for small businesses that do not need to write checks. For either purpose, your money is working for you.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 33.2821%;">Min. to Open
<br>
</th>
<th style="width: 33.2821%;">Rate Range
<br>
</th>
<th class="group-header" style="width: 33.3333%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.2821%; text-align: left;">$10
<br>
</td>
<td style="width: 33.2821%; text-align: left;">Up to 0.05% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25%; text-align: right;">View <a data-target="#business-savings-ratesModal" data-toggle="modal" href="#" title="Business Savings Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Business Money Market Account</h6>
<p>The Business Money Market Account’s tiers help maximize your investment dollars. You benefit by keeping your money in a liquid savings account that earns a higher rate.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 33.3333%;">Min. to Open
<br>
</th>
<th style="width: 33.2888%;">Rate Range
<br>
</th>
<th class="group-header" style="width: 33.3333%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">$2,500
<br>
</td>
<td style="width: 33.2888%; text-align: left;">0.10% to 0.50% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25%; text-align: right;">View <a data-target="#business-money-market-ratesModal" data-toggle="modal" href="#" title="Business Money Market Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p><small> </small></p>
<h6>Business Certificates of Deposit (CDs)</h6>
<p>No matter what size your business, our CDs can fit your savings plan. CDs offer better rates than typical savings accounts, but require an investment of time.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 25.0167%;">Term Lengths
<br>
</th>
<th style="width: 24.9666%;">Min to Open
<br>
</th>
<th style="width: 24.9666%;">Rate Range
<br>
</th>
<th class="group-header" style="width: 25.0000%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25.0167%;">3–60 months
<br>
</td>
<td style="width: 24.9666%;">$500
<br>
</td>
<td style="width: 24.9666%; text-align: left;">0.20% to 0.75% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25%; text-align: right;">View <a data-target="#traditional-cd-ratesModal" data-toggle="modal" href="#" title="Traditional CD Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<h5 class="small"><a data-target="#business-fees-chargesModal" data-toggle="modal" href="#" title="Business Services and Loans Fees & Charges">Business Services and Loans Fees and Charges</a></h5>
</div>
</div>
</div>
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<div class="panel-heading" role="tab" id="heading-business-checking">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-business-checking" aria-expanded="false" aria-controls="collapse-business-checking">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Business Checking Accounts
</a>
</h6>
<p class="subtitle">Checking accounts that fit your business. We even offer something that's unheard of almost anywhere else: Free checking options for small businesses.</p>
</div>
</div>
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<div class="panel-body">
<div class="container">
<h6>Business Launch Checking</h6>
<p>With no monthly fee and no minimum balance, this account is designed to help save new business owners some of the expense of opening a new business. Business Launch comes with Business eBanking and a free Visa® Debit Card.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">Monthly Fee
<br>
</th>
<th style="width: 24.9424%;">Min. to Open
<br>
</th>
<th style="width: 25%;">Interest
<br>
</th>
<th class="group-header" style="width: 25.0000%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25%;">None
<br>
</td>
<td style="width: 24.9424%;">$100
<br>
</td>
<td style="width: 25%; text-align: left;">0.00% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25%; text-align: right;">View <a data-target="#business-checking-ratesModal" data-toggle="modal" href="#" title="Business Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Small Business Checking</h6>
<p>If you write fewer than 50 checks in a month, this account is an excellent way to get your small business into checking that pays.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">Monthly Fee
<br>
</th>
<th style="width: 24.9424%;">Min. to Open
<br>
</th>
<th style="width: 25%;">Interest
<br>
</th>
<th class="group-header" style="width: 25.0000%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25%;">$7
<br>Waived if balance is $1,000+
<br>
</td>
<td style="width: 24.9424%;">$100
<br>
</td>
<td style="width: 25%; text-align: left;">Up to 0.10% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25%; text-align: right;">View <a data-target="#business-checking-ratesModal" data-toggle="modal" href="#" title="Business Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Regular Business Checking</h6>
<p>Is your business booming? Forget the sweep; you don't need it at Premier service. If your business writes more than 99 checks per month and tends to maintain higher balances, you might consider our regular business checking.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">Monthly Fee
<br>
</th>
<th style="width: 24.9424%;">Min. to Open
<br>
</th>
<th style="width: 25%;">Interest
<br>
</th>
<th class="group-header" style="width: 25.0000%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25%;">$10
<br>Waived if balance is $2,500+
<br>
</td>
<td style="width: 24.9424%;">$100
<br>
</td>
<td style="width: 25%; text-align: left;">Up to 0.10% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25%; text-align: right;">View <a data-target="#business-checking-ratesModal" data-toggle="modal" href="#" title="Business Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<h5 class="small"><a data-target="#business-fees-chargesModal" data-toggle="modal" href="#" title="Business Services and Loans Fees & Charges">Business Services and Loans Fees and Charges</a></h5>
</div>
</div>
</div>
</div>
<div class="panel" id="business-lending">
<div class="container">
<div class="panel-heading" role="tab" id="heading-business-lending">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-business-lending" aria-expanded="false" aria-controls="collapse-business-lending">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Business Lending
</a>
</h6>
<p class="subtitle">Local lending decisions for local businesses. From small purchases to large, we can build a loan or credit line to fit your company's needs.</p>
</div>
</div>
<div id="collapse-business-lending" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-business-lending">
<div class="panel-body">
<div class="container">
<h6>Lines of Credit</h6>
<p>Balance your cash flow needs with this ready source of short-term funds. A line of credit can be unsecured or secured by real estate, a deposit account or a major asset.</p>
<p>
<br>
</p>
<h6>Term and Equipment Loans</h6>
<p>Term loans help a business purchase items that will eventually pay for themselves. The source of repayment is often generated by increased cash flow from these assets. Our business members commonly use term loans for things like machinery, vehicles, equipment, furniture, fixtures, making leasehold improvements, adding to long-term working capital or expansion and modernization projects.</p>
<p>
<br>
</p>
<h6>Commercial Real Estate Loans</h6>
<p>We offer very competitive financing for commercial real estate, including the purchase of existing buildings or refinancing current loans. These loans use the property as the required collateral. Your real estate transaction is unique, so we offer flexible programs. Commercial real estate loans are amortized over a set period of time, with payments and interest rates fixed for three to five years.</p>
<p>Our loan options will help you finance:</p>
<ul>
<li>commercial properties</li>
<li>investment properties</li>
<li>construction projects </li>
</ul>
<p>
<br>
</p>
<h6>Business Credit Cards</h6>
<p>Earn points on your everyday business expenses and reward yourself for a job well done! Our Northwest Business <a href="help/new-visa-rewards-program.html" rel="noopener noreferrer" target="_blank">Rewards Visa</a> cards feature:</p>
<ul>
<li>No annual fees</li>
<li>No balance transfer fees</li>
<li>Earn 10,000 bonus points on your first purchase</li>
<li>Double points for the first 90 days</li>
<li>Authorized users may also redeem reward</li>
<li>1.5%* Cash Back (reward will be credited to your Visa balance)</li>
</ul>
<p><a class="btn btn-primary" href="https://app.loanspq.com/cc/CreditCard.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Business Visa Now</a></p>
<h5 class="small" data-empty="true"><a href="storage/app/media/Disclosure%20PDFs/visa-business-early-disclosure.pdf" rel="noopener noreferrer" target="_blank">Visa Business Disclosure</a></h5>
</div>
</div>
</div>
</div>
<div class="panel" id="business-ebanking">
<div class="container">
<div class="panel-heading" role="tab" id="heading-business-ebanking">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-business-ebanking" aria-expanded="false" aria-controls="collapse-business-ebanking">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> eBanking for Businesses
</a>
</h6>
<p class="subtitle">You know that your business has a lot of moving parts. Illuminati Private Bank can offer you eBanking for your business to keep everything running easily.</p>
</div>
</div>
<div id="collapse-business-ebanking" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-business-ebanking">
<div class="panel-body">
<div class="container">
<p>Business members are automatically enrolled in the personal level of eBanking services, but business eBanking has a few extra options:</p>
<table class="table table-bordered" style="width: 98%; margin-left: calc(2%);">
<thead>
<tr>
<th style="width: 47.3282%; text-align: center;">Feature
<br>
</th>
<th style="width: 25.5343%; text-align: center;">eBanking
<br>
</th>
<th style="width: 27.1375%; text-align: center;">Business eBanking
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 47.3282%;">Make a loan payment
<br>
</td>
<td style="width: 25.5343%; text-align: center;">yes
<br>
</td>
<td style="width: 27.1375%; text-align: center;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">Order checks
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">See details and extended account history
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">Place stop payments
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">Deposit checks using your smartphone
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">Shows up in the Illuminati Private Bank mobile app
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">BillPay
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">View check images
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">eStatements
<br>
</td>
<td style="text-align: center; width: 25.5343%;">yes
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">Payroll (ACH)
<br>
</td>
<td style="text-align: center; width: 25.5343%;">no
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
<tr>
<td style="width: 47.3282%;">Tiered access for multiple users
<br>
</td>
<td style="text-align: center; width: 25.5343%;">no
<br>
</td>
<td style="text-align: center; width: 27.1375%;">yes
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Enroll in Business eBanking</h6>
<p>Give us a call at +1 (757) 859-9933 and have this information ready: </p>
<ul>
<li>Business Name</li>
<li>Business member number</li>
<li>Preferred contact email</li>
<li>Physical address of business</li>
</ul>
<p>
<br>
</p>
<h6>Enroll in Payroll (ACH)</h6>
<p>To use ACH and payroll services, we may need you to provide financial information to qualify, such as a few years of tax returns or bank statements.</p>
<p>For ACH-related questions (limit increases, additional accounts, etc.) please call Business Services at +1 (757) 859-9933 extension 9517 during the hours of 8 am – 5 pm PST, Monday through Friday. You can also email [email protected].</p>
</div>
</div>
</div>
</div>
<div class="panel" id="industrial-hemp">
<div class="container">
<div class="panel-heading" role="tab" id="heading-industrial-hemp">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-industrial-hemp" aria-expanded="false" aria-controls="collapse-industrial-hemp">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Industrial Hemp Program
</a>
</h6>
<p class="subtitle">We've been serving the hemp industry since 2017.</p>
</div>
</div>
<div id="collapse-industrial-hemp" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-industrial-hemp">
<div class="panel-body">
<div class="container">
<h6>How we Can Help Your Industrial Hemp Business</h6>
<p>We understand the difficulties you face with obtaining financial services and we want to help. Illuminati Private Bank can offer you business savings and checking accounts, along with access to online banking.</p>
<p>Want to learn more or get started? </p>
<p><a class="btn btn-primary" href="help/how-apply-industrial-hemp-program.html">See How to Apply to Our Industry Hemp Program</a></p>
<p><a class="btn btn-primary" href="industrial-hemp-form.html">Have a Question about Our Program?</a></p>
</div>
</div>
</div>
</div>
<div class="panel" id="biz-member-benefit-app">
<div class="container">
<div class="panel-heading" role="tab" id="heading-biz-member-benefit-app">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-biz-member-benefit-app" aria-expanded="false" aria-controls="collapse-biz-member-benefit-app">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Promote Your Business with Member Benefits App
</a>
</h6>
<p class="subtitle">Advertise to Illuminati Private Bank members for free!</p>
</div>
</div>
<div id="collapse-biz-member-benefit-app" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-biz-member-benefit-app">
<div class="panel-body">
<div class="container">
<p>Increase your business’ brand awareness by <a href="help/member-benefits-app-for-business.html">participating in our Member Benefits App</a>! Joining the app allows you to advertise to Illuminati Private Bank members for free. </p>
<p><a class="btn btn-primary" href="https://portal.illuminatiprivate.express/dashboard/applicationform.php/">Submit Your Business Today</a></p>
<p>To submit your business, you'll need:</p>
<ul>
<li>A logo</li>
<li>An offer</li>
<li>Contact information</li>
</ul>
</div>
</div>
</div>
</div>
<div class="panel" id="merchant-services">
<div class="container">
<div class="panel-heading" role="tab" id="heading-merchant-services">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-merchant-services" aria-expanded="false" aria-controls="collapse-merchant-services">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Merchant Services
</a>
</h6>
<p class="subtitle">Add more payment options and business solutions with Clover®.</p>
</div>
</div>
<div id="collapse-merchant-services" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-merchant-services">
<div class="panel-body">
<div class="container">
<p>Owning a business can be demanding--from tracking inventory and supervising employees to taking orders and everything in between! That's why Illuminati Private Bank has teamed up with First Data to bring you Clover, an all-in-one point-of-sale (POS) system. Clover can help transform your business with payment processing and business management solutions, customized just for you whether you have one store or a growing franchise. </p>
<p><strong>Clover can help you:</strong></p>
<ul>
<li>Accept more types of payments including EMV® chip cards, Apple Pay® and Samsung Pay®</li>
<li>Protect your customers, business and reputation from fraud with built-in security</li>
<li>Generate more visits and more sales through mobile loyalty and rewards programs</li>
<li>Uncover new insights and compare sales against competition within your market</li>
<li>Manage inventory, employee schedules, payroll and more.</li>
</ul>
<p><strong>Clover Point-of-Sale (POS) Systems include:</strong></p>
<ul>
<li>Clover Go<strong> </strong>- All-in-one contactless, chip and swipe card reader that wirelessly pairs with a mobile device.</li>
<li>Clover Flex<strong> </strong>- Accept payments tableside, in-line, on the floor, or off premises with this handheld portable POS. Includes: Built-in receipt printer, camera, and QR scanner in a single device.</li>
<li>Clover Mini - Compact, countertop system with full-scale POS functionality that can connect to cash drawer.</li>
<li>Clover Station - All-in-one countertop, POS and business management system that enables you to run your business efficiently.</li>
<li>Clover Virtual Terminal - Start taking payments with no hardware.</li>
</ul>
<p>
<br>
</p>
<p>Give us a call at +1 (757) 859-9933 or <a href="https://illuminatiprivate.express/contact.html?_ga=2.112862404.1989951484.1602600404-533542550.1593122369">visit any branch</a> to get started! </p>
</div>
</div>
</div>
</div>
<div class="panel" id="business-filings-registrations">
<div class="container">
<div class="panel-heading" role="tab" id="heading-business-filings-registrations">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-business-filings-registrations" aria-expanded="false" aria-controls="collapse-business-filings-registrations">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Business Filings & Registrations
</a>
</h6>
<p class="subtitle">We partner with MyCorporation to put you in touch with the help you need to start your business.</p>
</div>
</div>
<div id="collapse-business-filings-registrations" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-business-filings-registrations">
<div class="panel-body">
<div class="container">
<p>Get your business documents filed and registered accurately through the Secretary of State and IRS. Whether you want to form as an LLC or need a tax ID, our partners at MyCorporation will handle it for you. <em>Illuminati Private Bank does not provide legal, tax, or business planning advice. Contact a licensed attorney or tax professional for advice.</em></p>
<p>
<br>
</p>
<h6>Incorporate as an LLC or Corporation</h6>
<p>Forming as a Limited Liability Company (LLC) or corporation allows you to:</p>
<ul>
<li>Protect your personal assets</li>
<li>Save money on taxes</li>
<li>Build credibility for your business</li>
</ul>
<p><a class="btn btn-primary external-link" href="https://www.mycorporation.com/business-formations/?kbid=11269">Learn More about Incorporating</a></p>
<p>
<br>
</p>
<h6>Getting your DBA Name</h6>
<p>A Doing Business As (DBA) name is an official registration of your business name. A sole proprietor can operate under a name other than their legal name which can have many benefits, including added credibility and professionalism, as well as level of separation or anonymity. Filing a DBA also means a sole proprietor can open up a separate bank account under the business name (requirements vary), allowing your customers can make payments to the business itself, instead of to you personally.</p>
<ul>
<li>Accept payments and open bank accounts as your business</li>
<li>Separate your lines of business</li>
<li>Get credibility and legitimacy as a business</li>
</ul>
<p><a class="btn btn-primary external-link" href="https://www.mycorporation.com/business-formations/dba.jsp?kbid=11269">Learn More About DBA Names</a></p>
<p>
<br>
</p>
<p>
<br>
</p>
<h6> Obtain an EIN Tax ID</h6>
<p>An Employer Identification Number (EIN), or Federal Tax ID, is a unique number assigned to your business by the Internal Revenue Service that is used to identify a business entity, allowing you to file business income tax returns.</p>
<p>Benefits of filing an EIN:</p>
<ul>
<li>Allows you to be able to open a business banking account</li>
<li>The IRS requires that every business have an EIN before hiring employees</li>
<li>Filing an EIN allows your business to build its credit profile</li>
</ul>
<p><a class="btn btn-primary external-link" href="https://www.mycorporation.com/business-formations/ein.jsp?kbid=112269">Learn More About Getting an EIN Tax ID</a></p>
<p>
<br>
</p>
<p>
<br>
</p>
<h6>Operating Agreements</h6>
<p>An Operating Agreement is an agreement among LLC members about its business and the rights and duties of its members. No matter what method you choose to form your business, an operating agreement is an important asset and the foundation of any LLC.</p>
<p>Benefits of having an operating agreement:</p>
<ul>
<li>Clearly outline the details of your business</li>
<li>Defines roles and responsibilities of the members of the business</li>
<li>Helps protect your personal assets</li>
</ul>
<p><a class="btn btn-primary external-link" href="https://www.mycorporation.com/corporation-llc-documents/llc-operating-agreements.jsp?kbid=11269">Learn More About Operating Agreements</a></p>
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<p>We've got everything you need to start and grow your small business. </p>
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<p><span style="font-size: 24px;">Routing #UNIOVB0980081</span>
<br>ILPB #514388</p> </div>
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<address><i class="fa fa-envelope offset-icon"></i> [email protected]<br> Rocky Mount, NC 27804, USA</address> </div>
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<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="traditional-cd-ratesModalLabel">Certificate of Deposit Rates</h6>
<p class="modal-subtitle">Rates effective since October 29, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 35.2368%;">Certificate Option
<br>
</th>
<th style="width: 14.7632%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.2368%;">3-month CD</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td style="width: 25.0000%;">0.200%
<br>
</td>
<td style="width: 25.0000%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">6-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.250%
<br>
</td>
<td>0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">12-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.399%
<br>
</td>
<td>0.40%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">18-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">24-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">36-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.598%
<br>
</td>
<td>0.60%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">48-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.698%
<br>
</td>
<td>0.70%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">60-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
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<div class="modal fade" id="business-checking-ratesModal" tabindex="-1" role="dialog" aria-labelledby="business-checking-ratesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
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<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="business-checking-ratesModalLabel">Business Checking Account Rates</h6>
<p class="modal-subtitle">Rates effective since July 7, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 27.5766%;">Account
<br>
</th>
<th style="width: 22.4234%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 27.5766%;">Business Launch Checking
<br>
</td>
<td style="width: 22.4234%;">$0.01+
<br>
</td>
<td style="width: 25.0000%;">0.000%
<br>
</td>
<td style="width: 25.0000%;">0.00%
<br>
</td>
</tr>
<tr>
<td style="width: 27.5766%;">Small Business Checking
<br>
</td>
<td style="width: 22.4234%;">$0.01 to $999.99
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Small Business Checking
<br>
</td>
<td style="width: 22.4234%;">$1,000 to $9,999.99
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Small Business Checking
<br>
</td>
<td style="width: 22.4234%;">$10,000+
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$0.01 to $2,499.99
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$2,500 to $9,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$10,000 to $24,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$25,000 to $49,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$50,000 to $99,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$100,000+
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all checking accounts:</p>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance. </strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
<li><strong>Balance Information.</strong> The minimum opening deposit to open a Small Business Checking or Regular Business Checking account is $40. Please see the Schedule of Fees and Charges for<strong> </strong>the minimum monthly balance required to avoid a service fee for each account set forth above. Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.</li>
</ol>
<p>
<br>
</p>
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<div class="modal fade" id="business-money-market-ratesModal" tabindex="-1" role="dialog" aria-labelledby="business-money-market-ratesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="business-money-market-ratesModalLabel">Business Money Market Rates</h6>
<p class="modal-subtitle">Rates effective since September 9, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 24.9597%;">Account
<br>
</th>
<th style="width: 24.9597%;">Balance
<br>
</th>
<th style="width: 24.9597%;">Interest Rate
<br>
</th>
<th style="width: 25.0939%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$1,000 to $2,499.99
<br>
</td>
<td style="width: 24.9597%; text-align: left;">
<div data-empty="true">0.100%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.10%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$2,500 to $9,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.100%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.10%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$10,000 to $24,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.150%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.15%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$25,999 to $49,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.200%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.20%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$50,000 to $99,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.250%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.25%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$100,000 - $249,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.300%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.30%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$250,000+
<br>
</td>
<td style="width: 24.9597%;">0.499%
<br>
</td>
<td style="width: 25.0939%;">0.50%
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosure</h4>
<ol start="1" type="1">
<li><strong>Rate Information.</strong> The Interest Rate and Annual Percentage Yield on your Money Market accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance information</strong>. The minimum balance is $1,000.00.</li>
</ol>
<ol start="4" type="1">
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933.</li>
</ol>
<p> </p>
</div>
<div class="modal-footer">
<button type="button" class="btn btn-fluid" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
</div>
</div>
</div>
</div>
<div class="modal fade" id="business-fees-chargesModal" tabindex="-1" role="dialog" aria-labelledby="business-fees-chargesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="business-fees-chargesModalLabel">Business Services and Loans Fees & Charges</h6>
<p class="modal-subtitle">These fees apply to business services products. Fees effective September 12, 2017.</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Member Business Account
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 75.9259%;">Membership fee
<br>
</td>
<td style="width: 24.0741%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>If this account is closed within 180 days of opening
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Regular Business Checking
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 75.9259%;">Minimum deposit required
<br>
</td>
<td style="width: 24.0741%; text-align: center;">$100.00
<br>
</td>
</tr>
<tr>
<td>Monthly fee if your balance drops below $2,500
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Per item fee, after the first 99 check withdrawals in a month
<br>
</td>
<td style="text-align: center;">$0.15
<br>
</td>
</tr>
<tr>
<td>Per item fee, after the first 15 deposited checks in a day
<br>
</td>
<td style="text-align: center;">$0.15
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Small Business Checking
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>Minimum deposit required to open
<br>
</td>
<td style="text-align: center;">$100.00</td>
</tr>
<tr>
<td style="width: 75.9259%;">Monthly fee is the balance drops below $1,000
<br>
</td>
<td style="text-align: center; width: 24.0741%;">$7.00
<br>
</td>
</tr>
<tr>
<td style="width: 75.9259%;">Per item fee, after the first 50 check withdrawals in a month
<br>
</td>
<td style="text-align: center; width: 24.0741%;">$0.15
<br>
</td>
</tr>
<tr>
<td style="width: 75.9259%;">Per item fee, after the first 10 deposited checks in a day
<br>
</td>
<td style="text-align: center; width: 24.0741%;">$0.15
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Business Launch Checking
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>Minimum deposit required to open
<br>
</td>
<td style="text-align: center;">$100.00</td>
</tr>
<tr>
<td>Monthly fee
<br>
</td>
<td style="text-align: center;">Free
<br>
</td>
</tr>
<tr>
<td>Per item fee, after the first 50 checks issued or debit items in a month
<br>
</td>
<td style="text-align: center;">$0.25
<br>
</td>
</tr>
<tr>
<td>Per item fee, after the first 5 items deposited in one day
<br>
</td>
<td style="text-align: center;">$0.25
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Visa® Credit Card
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 75.9259%;">Annual fee
<br>
</td>
<td style="width: 24.0741%; text-align: center;">Free
<br>
</td>
</tr>
<tr>
<td>Cash advance fee
<br>
</td>
<td style="text-align: center;">$3.00 or 1.5% of purchase
<br>
</td>
</tr>
<tr>
<td>Emergency card issuance
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
<tr>
<td>Reissue lost or stolen card
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Automated Clearing House (Electronic Transfers)*
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 75.9259%;">Annual fee
<br>
</td>
<td style="width: 24.0741%; text-align: center;">$60.00
<br>
</td>
</tr>
<tr>
<td>Setup fee
<br>
</td>
<td style="text-align: center;">$60.00
<br>
</td>
</tr>
<tr>
<td>Monthly fee
<br>
</td>
<td style="text-align: center;">$20.00
<br>
</td>
</tr>
<tr>
<td>Debit items
<br>
</td>
<td style="text-align: center;">Free
<br>
</td>
</tr>
<tr>
<td>Credit items (per item fee, after the first 25 credit items)
<br>
</td>
<td style="text-align: center;">$0.12</td>
</tr>
<tr>
<td>File deletion
<br>
</td>
<td style="text-align: center;">$20.00</td>
</tr>
<tr>
<td>File reversal
<br>
</td>
<td style="text-align: center;">$20.00</td>
</tr>
</tbody>
</table>
<p>*Subject to availability with your account. </p>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Night Deposit (select locations)
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 75.9259%;">First deposit bag and use of this service
<br>
</td>
<td style="width: 24.0741%; text-align: center;">Free</td>
</tr>
<tr>
<td>Each additional deposit bag
<br>
</td>
<td style="text-align: center;">$5.00</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 75.9259%;">Miscellaneous
<br>
</th>
<th class="group-header" style="width: 24.0741%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 75.9259%;">Rolled coin deposits
<br>
</td>
<td style="width: 24.0741%; text-align: center;">$0.10 per roll
<br>
</td>
</tr>
<tr>
<td>Cash deposits
<br>
</td>
<td style="text-align: center;">$0.25 per $100</td>
</tr>
<tr>
<td>Currency purchases
<br>
</td>
<td style="text-align: center;">$0.25 per strap
<br>
</td>
</tr>
<tr>
<td>Rolled coin purchases
<br>
</td>
<td style="text-align: center;">$0.10 per roll
<br>
</td>
</tr>
<tr>
<td>Inaccurate deposit slip correction
<br>
</td>
<td style="text-align: center;">$2.00 per occurrence
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<p>Please refer to rate schedules for business savings, checking, and certificate of deposit accounts for dividend, interest rate, and annual percentage yields. Service fees and charges are subject to change without prior notice. This schedule of fees and charges is part of your Membership and Account Agreement.</p>
<p>Federally insured by SSCA. </p>
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<h6 class="modal-title" id="business-savings-ratesModalLabel">Business Savings Account Rates</h6>
<p class="modal-subtitle">Rates effective January 1, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">Account
<br>
</th>
<th style="width: 24.8611%;">Balance
<br>
</th>
<th style="width: 25%;">Interest Rate
<br>
</th>
<th style="width: 25.0000%;">Annual Percentage Yield
<br>
</th>
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<tr>
<td style="width: 25%;">Business Savings Account
<br>
</td>
<td style="width: 24.8611%;">$0.01 to $99.99
<br>
</td>
<td style="width: 25%;">0.000%
<br>
</td>
<td style="width: 25.0000%;">0.00%
<br>
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<td class="group-label">Business Savings Account
<br>
</td>
<td>$100+
<br>
</td>
<td>0.050%
<br>
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<td>0.05%
<br>
</td>
</tr>
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<h5>Truth-In-Savings Disclosures</h5>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information</strong>. The Interest Rate and Annual Percentage Yield on your Savings accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Business Savings account is a tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly as determined by the Board of Directors.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance Information.</strong> The minimum deposit to open your Savings account is $10. Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
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